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New
Additions Feature Sheet - Canadian Programs
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AGRIINVEST
Overview:
AgriInvest is a simple and innovative program that
helps agricultural producers save money to cover small income
declines and support investments to mitigate risk or improve
market income. Financial institutions play a key role in delivering
AgriInvest by providing producers with a savings account for
their own and matching government contributions. AgriInvest
accounts give producers a convenient way to access their accounts
and withdraw funds at any time.
Features:
AgriInvest
- Overview, Important Terms, Who is Eligible?, Opening an
AgriInvest Account, Deposits, Contribution and Account Limits,
Tax Implications, Withdrawals and Transfers, Further Information
WORKPLACE
VIOLENCE AND HARASSMENT
Overview:
Violence or harassment in the workplace can affect
all business sectors and occupations. Members, clients, patients,
students, workers, intimate partners, or family members may
hurt, threaten, or harass workers while they are on the job.
This program introduces you to various aspects of workplace
violence and harassment.
Features:
Workplace
Violence and Harassment Definitions, Persons With a History
of Violent Behaviour and Domestic Violence, Preventative Measures,
Procedures, Practical Defusing Techniques
WHMIS
Overview:
The Workplace Hazardous Materials Information System
(WHMIS) is a hazard communication system developed by Canadian
federal, provincial, and territorial governments. The purpose
of WHMIS is to help ensure a safer and healthier workplace.
Features:
Introduction
to WHMIS, WHMIS Labels, Material Safety Data Sheets, Worker
Education and Training, WHMIS Classes and Symbols, Classes
A to F - Hazardous Materials
INTRODUCTION
TO COLLECTIONS
Overview:
Introduction to Collections is designed to introduce
staff new to collections activity to the fundamentals of collecting
delinquent debt. Staff will learn the importance of the collection
department in maintaining a successful loan portfolio, standards
for collector conduct, organization of the collection function,
and some of the main reasons for member delinquency on loans.
Some collecting techniques used in early stages of delinquency
are discussed.
Features:
Collections
Overview, Collector Conduct, Collection Department Objectives,
Delinquency Control Program, Causes of Delinquency, Over Extension
of Credit, Other Causes of Delinquency, Organization of the
Collection Function, Preliminary Collection Techniques, Counselling
and Debt Consolidation
Overview:
The Collections Cycle introduces staff to all stages
of the collection cycle, from the early stage of delinquency,
then through personal contact, workout situations, serious
delinquency, bankruptcy, to write-off and recovery. Staff
learn about the remedies available to collectors at each stage,
and the importance of resolving delinquency in the early stages
before it becomes a more serious problem.
Features:
Stages
of the Collection Cycle, Early Stage of Delinquency, Personal
Contact Stage of Delinquency, Workouts, Serious Delinquency
Stage, Legal Action, Bankruptcy, Write-Offs, Recovery Operations
Overview:
Collection Procedures takes staff through collection
actions in detail, proceeding through actions of increasing
severity in depending on the severity of the delinquency.
This program includes guidance for effective collection calls,
use of collection letters, revocation of 'plastic card' access,
exercising right of set-off, repossession, proceeding with
legal action, and use of third party collection agencies.
Features:
Collection
Calls, Collection Letters, Plastic Card Termination, Right
of Set-Off, Initiating Repossession, Post-Repossession Actions,
Legal Action, Third Party Collection Agencies, Write-Offs
OVERVIEW
OF COLLECTION LAWS AND REGULATIONS
Overview:
Overview of Collection Laws and Regulations provides
staff with an overview of the provincial and federal laws
governing credit reporting activities and debt collection
practices. This includes the role of the credit union in helping
to maintain accurate credit information on file at credit
bureaus, resolving member disputes related to credit information,
and complying with restrictions on the collection, disclosure,
and use of credit information. Provincial legislation governing
debt collection practices is introduced. Staff learn about
prohibited practices, the importance of complying with privacy
legislation, and restrictions on communicating with the debtor,
the debtor's employer, and other persons.
Features:
Introduction
to Debt Collection Laws, Credit Reporting, Reporting Delinquencies
to Credit Bureaus, Disputes and Notices, Debt Collection Practices,
Communications with the Debtor, Permissible Contacts, Prohibited
Debt Collection Practices, Privacy Legislation and Collection
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